Your "credit" rights
What is a credit report? A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors. We use information from your credit report to set the terms of the credit we are offering you, such as your credit line available or your APR. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.
To learn more about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov, or the Federal Trade Commission's web site at www.ftc.gov.